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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $182,272 | $129,737+40.5% | $119,126+53.0% | $154,746+17.8% |
| Participation rate | 94.4% | 78.9%+15.6pp | 75.8%+18.7pp | 80.7%+13.7pp |
| Annual return | 8.51% | 379.08%-370.6pp | 282.11%-273.6pp | 172.34%-163.8pp |
| Employer contribution / active EE | $3,729 | $4,375-14.8% | $4,034-7.5% | $4,379-14.8% |
| Participant deferral / active EE | $5,487 | $5,842-6.1% | $5,318+3.2% | $6,730-18.5% |
| Admin fee / account holder | $1,180 | $11,961-90.1% | $10,693-89.0% | $14,365-91.8% |